Life isn’t only about golfing greens and gourmet dinners. Neither is it defined only by long hours and loads of hard work. It is a balancing act about having it all and not having to give one up for the other.

So, when you believe that life is not about compromises and have always got what you want, then why choose between what you desire from an Investment?

• Wealth creation through an extensive variety of expertly managed funds
• Safety of investment through Money Market Fund
• The comfort of a Limited premium paying term
• Reward of persistency units, even with a short policy term
• Additional protection against disease/disability through Rider options
• Systematic Transfer Plan option: ensures investments have a safety belt while riding the current market volatility.

Here is a plan that ushers in a shift in the way that you choose. From "OR” to “AND”, after all you expect MORE from Max New York Life.

For more information on Max New York Life's Smart Xpress Plan, please click here and provide your contact details. Our Financial Advisor will contact you soon to provide more information on this product.

"For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale".

So don’t settle for Less, choose Max New York Life SMART Xpress.

You have the choice of any of the 8 expertly managed funds to direct your investments in any one or more of the following funds of the company.

Fund	Asset Types
	Government Securities	Corporate Bonds (Investment Grade)	Money Market and Cash Instruments	Equity
Secure	50-100%	0-50%	0-40%	Nil
Conservative	50-80%	0-50%	0-40%	0-15%
Balanced	20-50%	20-40%	0-40%	10-40%
Growth	0-30%	0-30%	0-40%	20-70%
Growth Super	0-20%	0-20%	0-30%	70-100%
Dynamic Opportunities	0-100%	0-100%	0-40%	0-100%
*Money Market	Nil	Nil	100%	Nil
**Secure Plus	60-100%	0-40%	0-40%	Nil

*The declared Net Asset Value (NAV) of the Money Market Fund at any given business day is Guaranteed to be not less than the declared Net Asset Value of the previous business day. This will ensure that the investments done in this fund are secure and are protected from any capital erosion. This fund is ideal for customers having low risk appetite.

**Secure Plus Fund is applicable only with Systematic Transfer Plan

You also have Systematic Transfer Plan as an option, wherein your Annual Premium is moved to Secure Plus fund and in 12 equal monthly installments it moves to Growth Super fund.

Flexibilities

Switching:

• Existing investment can be moved in totality or in a certain proportion to one or more funds from the current one
• 12 free switches/policy year

Premium Redirection:

• Modify the flow of future investments, different from the existing pattern.
• 12 free redirections/policy year

Partial Withdrawals
Can be made anytime post completion of 3 years
3 Pay/5 Pay: -
Minimum: Rs 5,000
Maximum: Lower of 20% of Fund Value OR (Fund Value- 1.5 Initial ATP)
Single Premium: -
Minimum: Rs 5,000
Maximum: Fund Value – 20% of ATP